What to expect

Generally, we attempt to inspect all losses in a timely fashion. However, there may be situations where your claim advisor has to visit the most severely damaged homes first.

The initial visit may be for inspection purposes only.

If your house is only slightly damaged, you may wait longer than customers with severe damage.

Save receipts for your additional living expenses.

Call your Desjardins Agent who can explain what should expect in more detail.

If you have a home mortgage

When we pay you for damage to your home, we are required to protect the interest of the company that holds your mortgage up to the amount of the mortgage balance. This means that if there's a mortgage on your house, any claim payment will be to both you and your mortgage company. What should you do in this case?

Contact your mortgage company about the damage as soon as possible after you've reported your claim to us.

Be sure to ask about the mortgage company's procedure for endorsing your claim payment (procedures vary).

Auto coverage

If you carry comprehensive coverage on your car policy, subject to any deductible you may have selected, damage resulting from wind, hail or earthquake as well as other damage that is not a loss caused by collision as defined in your auto policy will generally be covered.

Business insurance claim

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This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some provinces. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

Desjardins Insurance refers to Certas Home and Auto Insurance Company, underwriter of automobile and property insurance or Desjardins Financial Security Life Assurance Company, underwriter of life insurance and living benefits products.

Desjardins, Desjardins Insurance and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.

® State Farm and related trademarks and logos are registered trademarks owned by State Farm Mutual Automobile Insurance Company, used under licence by Certas Home and Auto Insurance Company and certain of its affiliates.